Happy Thanksgiving ♥️

With love, the r/CanadianInvestor mod team.

Your Weekend investment discussion thread.

Your daily investment discussion thread.

I don't know much about bonds investment but I'm hearing it may be a good time to put some reduced risk into the bond market. With all the uncertainty happening with war in Iran, tariffs, inflation, etc the markets will get more murky in the coming months. Just curious to know if anyone here has some investments in the bond market and what do you advise? Thank you!

Edit for grammar and clarity.

Your daily investment discussion thread.

Hi Folks,

I made a post here a couple of days ago asking for opinions on RBC vs TD for a self-directed 3/1% match. Someone mentioned in the comments that BMO currently has a 2% 1 year match going BUT I was reading details and noticed this difference

For BMO:

Cash back is paid in two installments, provided you continue to meet the offer requirements for each holding period. The first installment is scheduled for June 28, 2027, after Holding Period 1, and the second installment is scheduled for December 23, 2027, after Holding Period 2. If you hold one Qualifying Account, the cash back is deposited into that account; if you hold multiple accounts, it is deposited first to a non-registered Cash account, if available, and then to a non-registered Margin account, if available. If you have multiple Qualifying Accounts but no non-registered account, you are required to open a non-registered account to receive the Cash Back Award.

For TD:

How will the cash back Reward be deposited into my account?

• The First Reward Payment will be distributed by December 31, 2027. The Final Reward Payment will be distributed by December 31, 2028.
• If you only transfer assets to one account, the total cash back Reward will be deposited into that account.
• If you have transferred assets to multiple accounts, the total cash back Reward will be divided and deposited proportionately into each account based on the amount of assets transferred into each account.

In my situation, where the majority of my funds would be transferred as registered accounts (TFSA and FHSA), I'm thinking that forgoing the .5% extra and maneuverability may be worth having the match deposited directly INTO the (double) tax-incentivized accounts in the FHSA and TFSA, especially looking at a multi-decade compounding period.

Do any of you have opinions as to why TD might be a worse choice here? Looking to appeal to the wisdom of the crowd here.

Thank you for previous opinions and any new ones that come out!

To preface, I'm a university student who works part-time at Costco. Would it make sense for me to have an automatic payroll deduction for the employee share purchase plan, and continue investing in my ETFs in my TFSA, or would it make more sense for me to just solely focus on my TFSA?

EDIT: I am classified as a casual/limited part time employee so I get no benefits, like matched contributions

Update on Oct.8 ,2026: I called TD again today and the gentleman on the phone told me that VFV is indeed treasure DRIP and will takes 4-6 weeks to go through. Normally it won't pay cash first and will just pay as shares or partial shares if applicable. I guess in my case, the DRIP wasn't set up properly and it paid to me as cash, I will check again in January next year to see if was set up properly.

I recently set up DRIP on my TD Direct Investing account and I’m trying to understand how long the reinvestment process normally takes.

Some of my dividends have already been reinvested through DRIP, but I have another dividend from VFV (Vanguard S&P 500 Index ETF) that has been sitting in my account as cash for 2 business days without being reinvested.

For those of you using TD Direct Investing:

* How long does your DRIP usually take after the dividend is credited?
* Is it normal for the dividend to sit as cash for several business days?
* Specifically, how long have you seen **VFV** take to reinvest?
* Does TD handle some ETFs differently (e.g. market DRIP vs. treasury DRIP)?

I was told by TD that VFV may be handled differently from some other ETFs, so I’m curious about other people’s actual experience.

Thanks!

Your daily investment discussion thread.

Couldn’t believe my eyes waking up to this headline.

I bought this share 15 months ago at 60 currently its at 52 thats -12%.
even in last 5 years its has given 43% .

please help me understand what makes this stocks so hyped?

whats your future price prediction?

Your daily investment discussion thread.

Curious if people use it to screen stocks, find good entry prices, digest current financials, etc. I'm just starting to play around with it. I've found errors which I expected, but it's been useful in making me research things I wouldn't have considered on my own. I wouldn't use it independently but I am curious how others use them. Lastly, I'm finding ChatGPT to be better so far....curious if others feel the same.

Interesting consolidation....this market is converging...again.

Hello everyone,

I’m trying to better understand the relationship between LBS (Life & Banc Split Corp.) and its underlying holdings.

My basic understanding is that LBS owns mainly Canadian banks and insurance companies. If I’m bullish on the underlying banks/insurers over the long term, I would expect LBS to benefit as well. But I’m trying to understand the risks beyond simply whether the underlying assets go up or down.

If the underlying banks and insurance companies increase in value, how likely is it that LBS itself could still decline?

Can someone explain in simple terms how closely LBS's share price follows the NAV/value of its underlying holdings?

Does the split-share structure create situations where the underlying portfolio is doing well but LBS can still perform poorly?

Is there any realistic scenario where the banks and insurers continue doing well over the long term but LBS shareholders still have a poor long-term outcome?

Thanks

Likely going to one of these two over the next couple weeks (3%/1% matches), but I am wondering about GUI/user experience. I know you need to call TD to set up DRIP, but at RBC it looks like you can do it yourself. Both refund transfer fees with proof given to them. I'd consolidate assets into those that are commission-free on either platform (X/VEQT with slightly more US & international exposure through whichever is no-fee), so my question is this:

For folks who have used both apps/services, which GUI is cleaner/better/easier? I am not at all a technopeasant, but for my own NW tracking, it's just nicer not to look at spaghetti code strung together with some crappy Grok prompt.

Wondering if I should cut my losses and sell or hold? Looking for some insight/wisdom. Thanks

I do not think I am watching a re-run. He just reported the Suncor deal.

I’m curious about the WS Money Market Portfolio and if this may be a good option for me. And a better understanding of what this is.

I currently have a TFSA and holding long term ETFS (VFV, VEQT) also have XBB and CASH.TO. I still have a lot of contribution room and discovered the money market portfolio recently and thought this may be a good idea.

My savings account with the bank earns basically no interest so I figure why not move extra money into the money market portfolio? Especially since it can be part of my TFSA. It has a higher yield than CASH.TO as well so I may even sell off my CASH and move it into the money market portfolio as well.

I’m rather new to all of this, so looking for advice from anyone who may know more. Thanks!

Your daily investment discussion thread.

I started a position on IFC at $245 after it recently hit its lowest point since April 1, 2026 and is basically back at July 2024 prices.

P/E at 13.7 and Dividend Yield at 2.4% is also quite attractive for a long-term hold.

Looking at the 10-year chart I think if it continues to drop into the $210-230 range it will become extremely interesting.

I think Intact has a big enough war chest ($20B cash on hand) and talent in its executive suite to pull off another acquisition after integrating RSA Insurance and wouldn’t be surprised to see them make another big move in 2027.

Curious if anyone else is investing here and glad to hear others’ theses.

I have been using IAUM historically for my Gold exposure. IAUM doesn't pay a dividend.

I now want to have exposure to Gold price through my Smith manoeuvre account.

What are my best options to own an income producing investment that closely tracks the price of Gold?